I'm a failed investor
All my hard earned money.
Even bank fd could get at least 2% or crypto fd at 12 %.
My decisions are worst when it comes to investments.
Any opinion on my worthless decisions?
Opinions welcome.
And those with profit will turn red on Monday as I already the prices.

Maybe perhaps can try the fsm managed portfolio? Or SAMY?.
Anyway, do take note that when the markets are down they will also kena hit too.
Just that they may not have higher concentration risk than yours.
My definition of a "failed investor" is one that failed to learnt from past investments endeavours that encompassed his financial positions, stages of life's environment, stability of current income flow, etc, etc,... Which are bound to happens or change in the future...
A simple performance improvement plans may consist of PDCA.
Plan your action
Do that planned actions
Check on status of those "done actions", under those "Do", (earlier) periodically
Action, after those "check" (reviews),... Come out with actions plan,...
Then repeat the PDCA
Other than that, I consider no one is a failed investor, well, that includes me,... For I am also NOT a "successful" investor,... For my last year DIY returns is alot lesser than most people.... Not even better than fd..
But what the heck,.. I don't need to touch that money for another 5 yrs, currently debt free n hv passive income last till I die.
Thus what I just posted may not suits all......
Just Consider it as a posting made while waiting for my caffeine fixes

I notice your US equity fund still green colour can I know how long you holding this? If it is many years ago it just confirm funds are meant for mid to long term.

My year 2000 bought Greater China fund still green colour despite the bloodbath in 2021. Those bought later all bled red.

He started asking about investment near the end of 2020 and got in around February 2021 at the height of china UT and disruptive tech. As you know, china and disruptive tech bled from then till now. Then he tried to diversify to US tech and others for the rest of 2021. And now the dip in US. Most likely his portfolio is bleeding now.

Any key takeaway message from FSM talk today? Want to take advantage of the 0% offer now to buy some UT

Thanks for sharing but in the screenshot US equity still green colour perhaps only temporary because if the US correction slide down further his will be in red colour territory.

This US bloodbath not only hit UT I think SA US centric ETF sure hit hard too. Likewise for those who use IKBR buy US ETF directly everyone is bleeding?

This is truly correction at play here. Hold on, cut loss etc each investor take care. What goes down will eventually goes up. Are you in for the ride or exit early?

We all waiting next week what in store in March before taking next step buy8ng lump sum

Usually correction is defined 20% is a technical correction while 10% was the speed of the correction was within the entire based on broader index

If you take a look at ARKK iinm it was barely 100 Xmas and now hovering at 70+ range which correction earlier in fact

All are getting hit red because broad macro news but the most affected is Tech and small caps this round

Go take a look at Invesco 2022 outlook and you can see which rotational base and alternative to give you some 8nsight on it based on s3ctors

The problem is you are buying chasing growth while not patiently waiting

UT is a long term and only after 3 years you can see whether it is performing or not

What Is a Correction?
In investing, a correction is a decline of 10% or more in the price of a security from its most recent peak.
Corrections can happen to individual assets, like an individual stock or bond, or to an index measuring a group of assets.
https://www.investopedia.com/terms/c/correction.asp

What Is Technical Correction?
A technical correction, often called a market correction, is a decrease in the market price of a stock or index that is greater than 10%, but lower than 20%, from the recent highs. It can also apply to other securities or assets where the key characteristic is the 10% to 20% counter to the prior move.
https://www.investopedia.com/terms/t/techni..._correction.asp

time to top up all. got 12 fund house offer 0% fees till 28 Jan

Hi,

How long did you invest in these funds and what made you choose them?

FSM seems pretty bullish on China this year. What other forumers think? My Dinasti is down quite bad this year 😬

per 20 Jan 2022
China cuts key rates, steps up monetary stimulus to boost economy
https://www.reuters.com/markets/europe/chin...ars-2022-01-20/
while US is talking about impending rate hike soon

btw,....this year Dinasti is still doing ok....


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On valuation because it is cheap and already beaten down

China is so cheap while DM is very expensive hence it is cheaper to buy into China coupled aggressive monetary policy and strong yuan at the moment for PBOC to be more aggressive to not let inflation like in US and other parts of the world

me long term also feel bodoh... huge gain no take profit now become small gain and some turn red..

so timing to dispose is still important.

As long as your returns are somewhat in line with the market it is ok. For UTs, if trading in and out would incur high friction cost, worse than stocks. And you can barely time the market.

If the underlying holdings are sound, stay invested and ride through the volatility.

but then not easy la. over years my China funds i think one time hv +70% .. now i think only +20%.. so average over the years all portfolio maybe slightly outperform fd nia.. as not using the funds yet so i just continue average in regularly.

those Msia funds from +ve also start turn -ve

lol...i stay away from MY UT due to instability

Ppl mention need to re-balance portfolio at least once a year. I would assume this re-balancing possibly include selling to lock in profits. The problem is the fund you have may continue to rise up further so if you sell you "lose out" of the additional gains. Vice versa the fund may continue to drop and you blame yourself for not selling earlier. So this become a catch-22 situation, different investor react differently. If you lock in the profits those monies is for your other investment or to put in bank say FD to protect the capital or to use it for spending?

For me FSM funds are mostly CPF (aka Msia EPF) so even if I lock in the profits I still cannot use ATM press the monies out so I usually do a switch to other funds. For cash investment yes I do sell partial units off once a year to get the monies for spending like CNY expenditure as the market rate of red packet keep rising every year!!! During my earlier times is $2-$4 now you put see how many black face and 'suaning' you get from relatives!

PS maybe off-topic but Msia market rate for red packet is now RM5-10 ?

Understand this is a Msia forum but sometimes we need to be realistic. Some can be patriotic say support own country economy. Some is more practical look for monies. I get myself exposed to Msia stocks in funds that are Spore and Msia combined or Southeast Asia funds never 100% Msia only fund. Just my preference after trying a few times (i.e buy and sell after X years) in the past the returns really is <fill in the blanks>

Cannot just look at few markets mah. You need to look from top, for example now US markets suffer, but HK markets do well YTD.

It's overall portfolio that matters, not specific countries like China/M'sia. Looking back, if you have stakes in US equities UTs, that should help balance your declining Chinese equities holdings.

For countries like Msia, you can consider using EPF/PNB investment vehicle as they can generate alpha better than many fund managers in the country. (They have insider information that other fund managers don't.)